There's a reason new places have radiant floor heating or at a minimum whole house HVAC.

I'm sure I was herded into a narrow set of offerings available by my agency, but I did put a bit of research into it, but the marketing of the non-independent agencies is stronger and more prevalant.

We've put in new electrical, replaced radiant heat with all new HVAC and just about everything else from drywall to restoring 100 year old hardwood.

An Amazing Sight - watching such a large herd of lemmings racing toward the cliff.

I have herd of assuming a loan but I Don't know where to even begin. 

I combined it with some radiant floor heat as we were redoing sections of the floor and my report back from the owner after a Boston winter was positive.

If everything is getting multiple bids and the herds are being dumb in buying then you might have to go to finding off market properties where you can negotiate and buy how you want.

You can put fiberglass on top of cellulose.You may be better served with radiant barrier.

It's a 5kw system and yes it does have a solar hot water heater. 16 Seer AC unit, radiant barrier sheathing, R38 insulation, and very good energy numbers on the Windows. 

I suppose my backup would be to use an alternative source of heating like others have mentioned, perhaps several oil-filled radiant heaters.